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Month: May 2022
Tips for dealing with medical debt

On Behalf of O’Brien Law Firm, LLC

Posted on: May 13, 2022

Medical debt refers to the money owed for such things as a medical procedure or prescription medication. Many Americans, especially the uninsured, have medical debt resulting from an unexpected illness or injury.

Here are some tips for dealing with medical debt in the best possible way.


You can always attempt to negotiate the sticker price of medical bills. If you do not have medical insurance, ask about any discounts your healthcare facility provides. Many hospitals offer payment plans to those having trouble paying. Regardless of your insurance status, you can ask for an itemized bill to see exactly what the facility is charging you for.

Consider financial assistance

There are places that can help you with paying off medical bills. Ask your provider or hospital staff if they know of any organizations in your local area that provide this service. If that does not result in any leads, you can search online for medical financial assistance.

Avoid letting bills accumulate

As with any debt, you want to avoid letting medical bills pile up to the point where they become unmanageable. While you do not want to make rash decisions regarding payment, you do want to be aware of any interest that may be accruing on those bills. Attempt to pay off what you can, even if it is only a small amount.

The more you know about medical debt, the better able you are to potentially negotiate a lower payment amount, achieve better terms of payment, and avoid going into bankruptcy.

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What are the three biggest financial challenges for families?

On Behalf of O’Brien Law Firm, LLC

Posted on: May 6, 2022

Long gone are the days when a single-income family could thrive in middle America.

Many people struggle to make ends meet when life is normal, and an event such as a job loss, divorce or medical emergency can derail a family’s financial future. The top three money sinks are also the most essential budget items.


For most Americans, housing is the most significant line item of their budgets. Many people hoping to buy their first or second home are struggling to qualify for mortgage loans as the U.S. housing prices continue to climb. Additionally, renters are having trouble keeping up with their month-to-month payments as rent increases across the country. A few key reasons for the current housing crisis include:

  • Low inventory of available existing homes for sale or rent
  • Slowed permit process for new construction
  • Decreased workforce in construction and agricultural industries


Single-parent households or dual-income families rely on childcare providers to take care of young children during shifts. Reliable child care is expensive, and according to a recent survey, parents spend ten percent or more of their annual income on daycare.


Even with employer-subsidized insurance, a family of four may pay as much as ten percent of their monthly income on health coverage. Additionally, nearly one-fourth of Americans carry medical debt that they are struggling to pay off.

Bankruptcy serves as a lifeline for those circling the drain. The stress that comes with money troubles can destroy a family, but having the courage to hit the reset button provides much-needed relief and the space to start again.

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“From my initial consultation throughout the entire process, Mr. O'Brien and his staff handled my legal matters with the utmost professionalism and care. I am especially grateful for Crystal who patiently answered all my questions and put my mind to ease over and over. Thank you O'Brien Law Firm, LLC!”
– C.H.
“Thank you so much for the advice. I knew I chose the right attorney!”
– C.H.

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